Broker Check


Individual Disability Insurance

Replaces income if you're too sick or injured to work, and can supplement long-term disability coverage you may have through your job.

Small Business Protection

As a small business owner, different types of disability insurance can help protect your business if you can't work due to an illness or injury

Disability Insurance Offered by Employer

Replaces baseline income (no bonus or incentive income) if you're too ill or injured to work. Benefits are typically taxable.


<strong>&#8220;It&#8217;s too expensive.&#8221;</strong>

“It’s too expensive.”

We can customize an Individual disability insurance policy to meet your specific financial needs. Coverage might cost less than you think, an average disability policy costs between two and three percent of your income.

If offered a job that paid 2% less per year in exchange for peace of mind should you become too sick or injured to work, would you take it?

<strong><em>&#8220;It&#8217;ll never happen to me; I&#8217;m too young and healthy!&#8221;</em></strong>

“It’ll never happen to me; I’m too young and healthy!”

Unfortunately, the risk of becoming disabled is twice as high as the risk of early death. And most disabilities are caused by health conditions like stroke, heart attack or cancer—not by accidents or injuries. The fact is that just over 1 in 4 of today's 20-year-olds will become disabled before they retire.

&#8220;I&#8217;ve got coverage through work.&#8221;

“I’ve got coverage through work.”

Lucky you! Only about 47% of companies offer group disability insurance. But you can’t keep your coverage if you switch employers. And chances are, your group benefits alone won’t protect a large enough percentage of your salary, bonus and incentive income.

This info-graphic explains why you might be less protected than you thought.


Have a Disability Insurance Question or Want to Spend Some Time Reviewing Your Options? Fill out the Form Below to Have Our Team Reach Out to You.

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